How do I choose which payment rails to move money over?

Learn about the differences between supported payment rails and which ones might work best for you.

Modern Treasury supports:

• ACH credit
• ACH debit
• Check issuance
• Check receipt (via lockbox)
• wire transfers
• SEN (Silvergate only)
• RTP (currently only J.P. Morgan) 

Each payment rail has a unique set of specifications, requirements, and limitations. It’s best to choose a payment method that aligns to your intended use case and payment flow. Below are a few key features that differ across payment rails.